Nice write up. I wouldn't say it's inferior. We are just using new technology based on old technology. The problem with PayPal is that you have to have a bank account, wifi, your information is not encrypted, and you have to pay fees to PayPal. Crypto will find a way to change all of these things. Centralization also leads to corruption and an oligarchy. Once crytpo becomes more mainstream, plenty of the centralized businesses will go out of business.